| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JACQUELINE K QUALIZZA3 Filed as: JACQUELINE K. QUALIZZA | 12877 W. 151ST STREET OLATHE, KS 66062 | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $33K | — | $33K | 4.81% |
| JUDY C ELWOOD3 | 810526 S HIGHWAY 177 CARNEY, OK 74832 | AFLAC | $6K | — | $6K | 6.79% |
| DONNA CDEBACA STEWART3 | 3501 FRENCH PARK DR STE E EDMOND, OH 73034 | AFLAC | $3K | $61 | $3K | 4.07% |
| BOBBY R STEWART3 | 3501 FRENCH PARK DRIVE SUITE E EDMOND, OK 73034 | AFLAC | $1K | $61 | $1K | 1.72% |
| CERESTA L HILL3 | 5216 NW 111TH STREET OKLAHOMA CITY, OK 73162 | AFLAC | $957 | $5 | $962 | 1.17% |
| CATRINA D DELLINGER3 | 617 E GREENWOOD LANE MUSTANG, OK 73064 | AFLAC | $822 | — | $822 | 1.00% |
| JOHN A WILLIAMS COMPANY INC3 Filed as: JOHN A WILLIAMS | 20316 N COUNTY ROAD 3240 PAULS VALLEY, OK 73034 | AFLAC | $538 | $61 | $599 | 0.73% |
| SHARON J FITZPATRICK3 | 3501 FRENCH PARK DR STE E EDMOND, OK 73034 | AFLAC | $381 | — | $381 | 0.46% |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $330 | — | $330 | 0.40% |
| STEPHEN W SIMPSON3 | 541 CONQUISTADOR CT EDMOND, OK 73025 | AFLAC | $254 | — | $254 | 0.31% |
| CAROLYN BENDER3 | 917 EGGLESTON STREET FORT COLLINS, CO 80524 | AFLAC | $250 | — | $250 | 0.30% |
| CHARLES D MANGUS3 | 13213 NW 6TH STREET YUKON, OK 73099 | AFLAC | $221 | — | $221 | 0.27% |
| JOHN A WILLIAMS COMPANY INC3 | 3100 S BERRY RD STE 100 NORMAN, OK 73072 | AFLAC | $120 | $80 | $200 | 0.24% |
| KEVIN KHOURY3 | 918 NW 17TH ST OKLAHOMA CITY, OK 73106 | AFLAC | $144 | — | $144 | 0.17% |
| LISA B NEWPORT3 | 11554 ANDOVER CT MIDWEST CITY, OK 73130 | AFLAC | $105 | — | $105 | 0.13% |
| LESTER RAY BLACKSHEAR3 | 500 E FORT KING STREET STE A OCALA, FL 34471 | AFLAC | $104 | — | $104 | 0.13% |
| JAMES MICHAEL WILLIAMS3 | 2309 BENT TRAIL ROAD EDMOND, OK 73012 | AFLAC | $62 | — | $62 | 0.08% |
| JACQUELINE K QUALIZZA3 | ASSOCIATION INSURANCE SERVICES 12877 W 151TH STREET OLATHE, KS 66062 | UNION SECURITY INSURANCE COMPANY | $733 | $145 | $878 | 11.97% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 171 | $677K |
| Dental | AFLAC | 94 | $82K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 128 | $90K |
| Short-term disability | AFLAC | 94 | $82K |
| Other(3 contracts, 3 carriers) | AFLAC | 171 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.